About AXIS Financial Services

Consulting. AXIS Financial Services (AXIS) was founded in 1999 as a consulting firm
specializing in collection strategies for securitized receivables portfolios in the timeshare
industry and expanded into federal student loans. AXIS provides in-depth studies of client
debt servicing and collections practices from "outside the box," identifying key strengths and
weaknesses. Studies result in detailed process improvement recommendations shaped by
years of developing strategies and collection techniques for businesses in a wide range of
industries including many Fortune-500 companies. A fundamental component of AXIS'
strategy is collections outsourcing enabling client organizations to focus on "currency" rather
than "delinquency."

Impact. In 2010, AXIS significantly expanded its collections capacity and speed with the
launch a new technology platform and expanded infrastructure. Today, we offer lenders,
developers, agencies and portfolio owners focused in timeshare and federal student loans a
proven collection-intensive servicing product specifically developed for the current economic
landscape. The Company's competitive advantage is its ability to increase cash flow and
liquidity by maintaining currency in its' clients portfolios.

AXIS increases the performance and cash flow of receivable portfolios.